With the Reserve Bank tightening LVR lending restrictions, and the banks demanding more information about the source of deposits, spending habits and caution around business lending, there is so much more work – and so many more potential pitfalls for borrowers, than ever before.

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Whether you’re a first home buyer, an experienced investor, or property developer looking for finance, a good mortgage adviser works to make the journey smoother and easier for you. They’ll work out the kind of lender and loans that best fit your needs, how much you will require for a deposit, put your case together so you are presented in the best possible light, and explore all the options with you. By using a mortgage adviser, you have access to a much wider range of loans, structures and interest rates, and a greater chance of meeting the criteria of a bank or finance company – so they are much better able to give you a loan. You also won’t be wasting your time meeting with lenders who can’t loan to you at all, because you don’t tick their boxes.

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Mortgage advisers give home loan borrowers, investors, and property developers looking for finance more flexibility and more options, and they are also great at helping those who might have more challenges in getting a loan approved. You might be a business owner with complicated financials, an investor with LVR issues but other investments to leverage, or a first home buyer able to access a deposit or guarantee from family or with only a small deposit. Maybe you have been through a tricky time financially and are not looking great to the banks. Whatever the situation, Martin has seen it all, and understands that sometimes, life and business just get challenging.